Spark BusinessSM credit card questions

General business credit card questions

You will need to know some basic personal information, as well as some information about your business—including your business’s total annual revenue and your business Tax ID Number or Employer ID Number.

This is a nine-digit number that’s assigned to nearly every U.S. business by the IRS to ensure tax compliance. It’s like the equivalent of a Social Security Number for a business. A business tax ID is required for all business structures except Sole Proprietorships.

You can apply online or by calling 1-866-390-5934. Or, if you received an offer in the mail, you can apply by calling the phone number listed on your letter, online or by mail. Please refer to the Reservation Number and Access Code listed on your letter.

Yes. Once you have your card, you can enroll in Online Banking and pay your bill online. You can also mail your payments using U.S. Mail or an expedited mail service such as FedEx. You can find our mailing address on our Contact Us page.

After your account is open, you can call Customer Relations to discuss your balance transfer options. You will not be able to transfer a balance from another account issued or acquired by Capital One or any of its affiliates or subsidiaries.

With your card, you'll get numerous benefits, such as a year-end summary to help you track expenses by category, $0 Fraud Liability if your card is ever lost or stolen and employee cards upon your request at no additional cost. See the full list of business benefits.

We apply your minimum payment to lower rate balances (including 0% APR) before higher rate ones. We apply any portion of your payment in excess of your minimum payment to higher rate balances before lower rate ones. If your payment exceeds the minimum payment by an amount sufficient to pay a higher rate balance shown on your statement, you still may have a balance at that higher rate on your next statement as a result of transactions, interest, or fees charged to your account before your payment was credited. For example, if your monthly statement shows a $1,000 balance for cash advances, sending in a check for $1,000 plus your minimum payment amount may not bring your cash advance balance to $0. This is because interest continues to accrue on the $1,000 balance between the last day of the statement and the date we receive your payment, but the interest does not post to your account until the next statement.

Business cash rewards questions

We’ll automatically send you a check each year on the anniversary of your rewards membership. If you don’t want to wait, you can get your cash any time you want by redeeming online or calling the Rewards Center at 1-800-228-3001, Monday thru Friday, 8 a.m. – midnight ET, Saturday and Sunday, 9 a.m. – 10 p.m. ET.